"trying to optimize quality and price" will almost always mean buying complete. The only possible exception to this is if you are a long time bike wrench and have many or most of the parts you need to build a bike laying around in your garage already. Take a look at the complete bikes from Bikes Direct and then price out what it would take to build an equivalent bike starting with the Nekkid frame and you will see that there is no comparison. All of the parts on the complete bike will be of better quality than you could fit within your building budget.